Plentina PH 4+

Discounts, Deals, BNPL


    • Free

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Avail exclusive discounts, deals, and pay later vouchers for groceries, prepaid load, wellness, food delivery services, and more. 
Shop for products and services from your trusted stores, and choose to pay up front or split your bill into installments with flat fees and no monthly interest rate. Shop online and offline at your favorite stores such as SM, Grab, Lazada, Shopee, Zalora, 7-Eleven CLiQQ Credit, Smart Prepaid, Agoda, Puregold, Southstar Drug, and more. 

Flexible Payment Terms
With Plentina, you can choose to pay up front to enjoy discounts or pay later on installment.

Fast & Easy Approval
Enjoy a one-time application process. 

Register for Plentina in 3 easy steps!
1. Download the Plentina app.
2. Fill up and submit your application along with a photo of your valid Philippine government-issued ID and a selfie while holding a paper with “#UnlockYourPotential” and your date of registration.
3. Get approval notification on your phone and start shopping on installment.

*Unlock higher credit limits by submitting a proof of income and employment

Shop Online or Offline
We are partnered with over 90 merchants online and offline, such as SM Store, SM Supermarket, Robinsons Department Store, Robinsons Supermarket, CLiQQ, 7-Eleven, Puregold, Lazada, ZALORA, Smart, Share Treats, Grab, and foodpanda.

Build Your Credit History
Make payments on time to build a good credit history with the credit bureaus.

Safe & Easy Payment
Pay conveniently through our online payment channels: GCash, GrabPay, Maya, or pay over the counter at any 7-Eleven store nationwide.

Reliable Customer Service
A dedicated customer service team is available to ensure that you enjoy our digital services with peace of mind.

Plentina doesn't have any hidden fees. You will see how much you will have to pay depending on the payment terms you’ve chosen. We don’t charge monthly interest. Our standard late fee is set at 5% of the loan amount with a maximum cap of 20% of the loan amount for defaults over 90 days.

Plentina charges a flat service fee based on the payment term selected by the borrower and does not accrue interest on unpaid loans. Our service fee percentage varies depending on the merchant.

Credit limit amounts: ₱300 to ₱5,000
One-time service fee: 0% - 17.5%
Monthly Interest: 0%
Monthly EIR: 0% - 5.25%
APR: Minimum of 0% and a Maximum of 17.5%

Additional late fees amounting to 5% of the principal amount will be charged for loans that remain unpaid for over 30 days, over 60 days, and over 90 days. Please see a sample computation below:

Principal Amount: ₱1,000
Installments: 1
Days late and late fee charges
First late fee at 1-30 days overdue: ₱50, total of plus ₱50 only
Second late fee at 31-60 days overdue: ₱50, total of plus ₱100 only
Third late fee at 61-90 days overdue: ₱50, total of plus ₱150 only
Fourth late fee at 91+ days overdue: ₱50, total of plus ₱200 only
Plentina continuously works with partners so you can enjoy more! Our customers are the reason Plentina exists.

Plentina’s physical address:
Plentina Lending, Inc.
8484 East Service Road
Km 18, South Superhiway, Sucat
Paranaque City, Metro Manila,
Philippines 1700

Plentina Lending Inc. is a fully registered online lender with SEC registration No. CS20200001117 and Certificate of Authority No. 3266. Please study the terms and conditions in the Disclosure Statement before proceeding with the loan transaction.

What’s New

Version 2.5.9

Updates and improvements under the hood to make your loan experience much better.

Ratings and Reviews

4.6 out of 5
166 Ratings

166 Ratings

Fat Bro Auto Detailing ,


Been using it for a year now to help stock supplies for my business. Never had any access issues. Very reliable and customer support is awesome. Recommended 5⭐️

1CHA5 ,


I really love your application. However, because of your software update I am no longer able to access the application to make a payment which will lead to a late payment. I already reach your repayments team, I hope won’t be penalize for this because i own iphone 6 and not possible to have IOS 13.

shanabels ,

App is not fair! They updated to IOS 13.0!

Been using this app for a while. My credit limit increase coz I pay my bill ontime but due to update made for IOS device, IM unable to use the Service and require to update the app to the latests one but IM using IPhone 6plus, the IOS update is onLy until 12.5.5 . I dont have plan yet to buy a new phone just to update this app. Im not Happy. I uninstall the app already.

App Privacy

The developer, Plentina, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Sensitive Info
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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